NO.PZ2020033003000113
问题如下：
How do credit ratings affect debt financing?
选项：
A.
Significantly increase risk premiums and borrowing costs
B.
Reduce risk premiums, making debt more accessible
C.
Eliminate systemic risk entirely
D.
Prevent the formation of credit bubbles
解释：
Ratings improve risk management, allowing lenders to lower risk premiums and borrowing costs, increasing debt accessibility.
这是哪里的考点，bd什么意思
